Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Net Income	$ 2,171,000	$ 1,880,000
Provision for loan losses	621,000	318,000
Depreciation of premises and equipment	175,000	149,000
Amortization of operating right-of-use assets	109,000	69,000
Amortization of subordinated debt issuance costs	25,000	25,000
Amortization of other intangible	36,000	36,000
Net amortization of securities premiums	7,000	14,000
Accretion of deferred loan fees and costs, net	(884,000)	(313,000)
Stock-based compensation expense	259,000	266,000
Net realized loss on sale of foreclosed real estate	92,000
Net gain on loans held for sale	(2,816,000)	(2,296,000)
Loans held for sale-originations	(135,652,000)	(97,973,000)
Loans held for sale-proceeds	116,410,000	88,889,000
Gain on the sale of SBA loans	(71,000)	(238,000)
Increase in the cash surrender value of bank-owned life insurance	(59,000)	(60,000)
Accrued interest receivable	(1,438,000)	(255,000)
Prepaid expenses and other assets	(970,000)	(818,000)
Accrued interest payable	140,000	62,000
Accrued expenses and other liabilities	669,000	(449,000)
Net Cash Used in Operating Activities	(21,176,000)	(10,693,000)
Cash Flows from Investing Activities
Purchase of interest-earning time deposits	(1,317,000)	(6,849,000)
Redemption of interest-earning time deposits	2,026,000	1,604,000
Purchase of investment securities available for sale	(4,007,000)	(3,319,000)
Principal repayments on investment securities available for sale	759,000	705,000
Net increase in loans receivable	(98,034,000)	(20,248,000)
Purchase of Federal Home Loan Bank stock	(168,000)	(454,000)
Redemption of Federal Home Loan Bank stock	283,000	40,000
Proceeds from the sale of foreclosed real estate	1,611,000
Capitalized expenditures on other real estate owned	(268,000)	(319,000)
Purchase of premises and equipment	(281,000)	(212,000)
Net Cash Used in Investing Activities	(99,396,000)	(29,052,000)
Cash Flows from Financing Activities
Net increase in demand deposits, money markets, and savings accounts	55,594,000	1,191,000
Net increase in certificate accounts	15,991,000	9,048,000
Decrease in advances from borrowers for taxes and insurance	(993,000)	(810,000)
Proceeds from Federal Home Loan Bank short-term borrowings	4,000,000	9,000,000
Repayment of Federal Home Loan Bank short-term borrowings	(10,000,000)	(9,000,000)
Proceeds from Federal Home Loan Bank long-term borrowings	3,922,000	12,271,000
Repayment of Federal Home Loan Bank long-term borrowings	(1,000,000)	(2,000,000)
Proceeds from Federal Reserve Bank long-term borrowings	52,144,000
Repayment of Federal Reserve Bank long-term borrowings	(3,310,000)
Dividends paid	(537,000)	(496,000)
Purchase of treasury stock	(181,000)	(186,000)
Proceeds from the reissuance of treasury stock	69,000	31,000
Proceeds from the exercise of stock options	102,000	190,000
Net Cash Provided by Financing Activities	115,801,000	19,239,000
Net Decrease in Cash and Cash Equivalents	(4,771,000)	(20,506,000)
Cash and Cash Equivalents – Beginning of Year	14,555,000	26,012,000
Cash and Cash Equivalents – End of Year	9,784,000	5,506,000
Supplementary Disclosure of Cash Flow and Non-Cash Information:
Cash payments for interest	4,022,000	3,949,000
Cash payments for income taxes	260,000	739,000
Initial recognition of operating lease right-of use assets	632,000	1,366,000
Initial recognition of operating lease obligations	$ 632,000	$ 1,366,000